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Comment on Ask HN: Where do you keep your 401k investments?

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Are you old enough to have experienced a bear market? Investing 100% in stocks can suffer big drawdowns when there is an extended bear market say down 40% over several years. I would diversify with small portions (5-10% each) in gold, crypto, bonds and cash. If you are dollar cost averaging into stocks it's important to keep investing when stocks are going down. Also assume you own your own home - if not that should be your first priority.

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